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Build credit with Kikoff.

with 0% interest
no credit pull required

Join the hundreds of thousands already using Kikoff.
Open your account in minutes!
Credit builder
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We’re designed to maximize credit.

Kikoff addresses three key factors that determine 80% of your credit score.

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Boost your payment history.
We report your monthly payments to the major credit bureaus. Each one builds your payment history (and your credit).
Optimize your credit utilization.
The smaller the ratio of your credit usage to your limit, the better. The Credit Account’s utilization rates are very low—less than 10%.
Grow your average account age.
The older your accounts, the better. The Credit Account doesn’t expire, so keeping it open will continue to increase your average account age.

Start building credit in seconds

  1. Sign up for the Credit Building Service.

    Get instantly approved with no credit check. We set up a credit account for you and report it with a $750 credit line.

  2. Build payment history.

    You make monthly payments of $5/mo. We report your payment history to the major credit bureaus to build your credit.

  3. Watch your credit grow.

    Set up autopay and watch your credit grow.
We’ve got your back.
Credit building on your terms.
You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment - you can pay your balance in full at any time.
Grow payment history, guaranteed.
With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history - and your credit.
Reach your financial goals.
Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.
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Join hundreds of thousands building credit with Kikoff.
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Don’t just take our word for it.

Join hundreds of thousands building their credit with Kikoff.


As reviewed on Nerdwallet
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
Have questions?

  • Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.

    Kikoff offers 2 products, both products report to the major credit bureaus and are offered as 1-year plans:

    1. Kikoff Credit Account - this is our standard product for all new Kikoff customers. This account builds monthly payment history and helps reduce your credit utilization. The Credit Account gets reported to Equifax and Experian every month and costs $5/month. Learn more.
    2. Kikoff Credit Builder Loan - this is an optional add-on for customers that want to build even more credit. This is a 1-year savings plan for $10/month. You’ll be able to add this product after your first payment with the Kikoff Credit Account.

  • No, Kikoff is not a credit card. You are not able to use your Kikoff Credit Account to purchase other goods or services (except for Kikoff credit-building plans).

    Kikoff is a credit-building plan. Our product is specially designed to maximize your credit – a low-cost way to build payment history while preventing you from building up more debt. The Kikoff Credit Account gets reported as a revolving line of credit. See our Kikoff Credit Account page and our full FAQs to learn more.

  • On average, customers with credit scores under 600 increase their credit scores by 58 points[1], helping them qualify for better car loans, mortgages, credit cards, personal loans, and more.

    Keep in mind, credit building is a long-term habit – like eating healthy or working out – so the most important thing is to make good financial habits: make your payments on-time, keep your utilization low, and practice good financial habits.

    [1] Credit Score Increase: Based on Kikoff customers that used the Credit Account product and made consistent on-time payments during account lifetime. This data is based on observed VantageScore 3.0 credit score changes. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.

  • The Kikoff Credit Account (our standard product) is a 1-year credit-building plan that costs $60.

    The $5/month plan is purchased upfront ‘on credit’ and you’re responsible for paying Kikoff $5/month for 12 months (total of $60). You can choose to renew your plan annually for long-term credit building. Learn more.

    How does it work? Every month, Kikoff reports your account to Equifax and Experian. It’s important for you to make on-time monthly payments so your account is reported in good standing. The Credit Account is most helpful for adding positive payment history, lowering your credit utilization, and increasing your average account age. Learn more.

  • Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion. We report all customers’ monthly payments to Equifax and Experian.

    Please note that reporting depends upon which Kikoff products you have:

    • Kikoff Credit Account (Credit Service plan) reports to Equifax and Experian.
    • Credit Builder Loan (optional add-on) reports to TransUnion and Equifax.

More questions?
CHECK OUT OUR FAQCHECK OUT OUR BLOG
Join Kikoff today